The Research Of Baoshang Bank Micro Lending Business To Support The Development Of Agriculture, Rural Areas And Farmers

Strong rural financial support is to speed up the strategic adjustment of agricultural structure, effective way to promote the development of agriculture and country economy, is the construction of new socialist countryside, an important means of solving "three rural problems". Since the1970s, many foreign countries and regions Beginning attempts to explore the new way of relief for the poor, the micro financial way. This makes the traditional financial formidable exploration, making hundreds of millions of poor people can be involved in the various forms of the financial sector, and onto the road of poverty to get rich. After this, more and more countries have adopted system of loan management pattern, ushered in a new era of small business loans. Since2005, China began to pilot the micro credit financing project, at present, has made very significant effect. Small business loans in narrow the gap between society, eliminate poverty and promote social financial stability and profound significance for the study of the small business loans, not only for small enterprises to ease loan difficult problem, also can on micro loan program for Banks to provide more and more favorable service opened up new ideas.Contractor’s bank is one of the city commercial Banks, the Inner Mongolia autonomous region is also the region’s first innovative financial service pattern, developing micro lending business service "three rural" development in city commercial bank. In recent years, with the micro credit business promotion and development of the micro credit business in Inner Mongolia support "three rural" development plays an important role in the process. Therefore, contractor’s bank micro lending business support the development of "agriculture, rural areas and farmers" is worth to study.Contractor’s bank in Hohhot branch as an example, this paper adopts the research method of theory combining with the actual of contractor’s bank credit business support the development of "three agriculture" problem research and analysis, attempts to argue that the bank is summarized in the agricultural problem in the process of micro lending business carries on the discussion, and put forward the perfect proposal. This paper on the topic research background, significance, related research at home and abroad are summarized; Second research for this article expounds the concept, theory, and from the angles of financial institutions themselves and agriculture, rural areas and farmers, points out the contractor’s bank development in micro lending business support the necessity of "agriculture, rural areas and farmers"; Combined|with the current Hohhot again small enterprise credit demand characteristics and package line, Hohhot branch micro lending business products, processes, patterns, and situation analysis, summarizes the current "three agriculture" the branch micro lending business support area several main problems existing in the development of; Finally on the basis of summary of full text analysis, based on the Banks themselves and support to agriculture, rural areas and farmers, to put forward the solution to the current package line, Hohhot branch micro lending business supporting the "SAN nong" problems in the development of countermeasures. To this article research on the current to contractor’s bank micro lending business agricultural services help and enlightenment, thus boosting the bank is more stable and faster development.